Preparing financially for braces

If you are considering getting braces or your child needs them, you may be wondering if the cost will be an obstacle for you.  This is a common concern and we have some information that should ease your mind.

Here are ten important things you should know about footing the bill for braces.

1. It might not be as expensive as you think.  A lot of people have preconceived notions about how much braces will cost, but their anxiety about the financial end of the process often makes them guess high.

2. We can examine you and give you an honest assessment of what’s going on.  We’ll figure out what issues you’re dealing with, outline a treatment plan, and give you an estimate of the cost.

3. Delaying treatment won’t make the problems go away.  It also won’t make your eventual treatment less expensive.  In fact, delaying treatment may ultimately make it cost more, because problems may worsen over time, which would require more extensive treatment.

4. At Owl Orthodontics, we do our best to make our services as affordable as possible.  We understand that individuals and families live with financial constraints and adding orthodontic care into a family budget can be quite a stretch.  That’s why we’re committed to keeping our rates reasonable.

5. We’ll work with you to maximize your insurance coverage.  Insurance can be confusing and difficult to navigate.  We have expertise in that field, though, and we’d be happy to use it on your behalf.  Your insurance benefits are for your use, so it makes sense to be sure you’re making the most of them.  We’d like to help you with that.

6. If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can put that to work, too.  We’ll help you figure out how to get the greatest benefit for your dollars.

7. We accept various methods of payment.  You can pay us in cash or by check or money order.  In addition, we accept Visa, MasterCard, and Discover.  You can choose the method that works best for you.  (It’s important to note that choosing one method of payment doesn’t obligate you to always pay the same way.  You can make one payment by check and the next by credit card, if that’s what suits you.)

8. We participate in Orthobanc.  With this option, you can have your monthly payments deducted from your checking or savings account or charged to your charge card.  In addition to making it convenient for you to pay, this option enables us to provide you with interest-free in-house financing.  If you want to learn more about this option, talk with someone in our finance department or visit the Orthobanc website.

9. CareCredit is another option.  This company offers financing for healthcare services.  It’s important to note that prior approval is required.  You can visit the CareCredit website by clicking here.

10. Finally, it’s always important to keep in mind that if your insurance or other benefits change, the financially responsible party is accountable for all charges.  If anything like that happens, let us know so we can work with you to develop a payment plan that works for you.

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